noun
Refers to the party that borrows money, rents property, or receives a loan. The context determines whether it means a financial debtor or a tenant.
銀行は借り手の信用を審査する。
The bank checks the borrower's credit.
このアパートの借り手はまだ決まっていない。
The tenant for this apartment hasn't been decided yet.
Compound of 借り (kari, 'borrowing', the continuative form of 借りる) + 手 (te, 'person' in this context).